[laughter] ways thate of the will help to keep our economy strong as well. we hope that you have a great time here in the city. this a wonderful city and it is growing and developing by leaps and bounds. we have a population that is greater than just higher state of vermont. greater than the state of wyoming. we are gaining on the state of north dakota. i am also proud to be able to do something that i get to uniquely do and that is declare certain conditions in the district of columbia. i am proud to be able to , october 28, 2013 associationbankers today in the district of columbia. thank you very much. [applause] >> welcome the 2013 chairman of mortgage bankers association, deb still, cmb. [applause] >> thank you to mayor great for his great greeting and permission to go shopping. good morning, everyone and welcome to our 100th celebration. when i reflect on 100 years and this milestone and a noble mission of our industry across the great span of years, today is a celebration of the legacy of the past. it also inspires me to envision a new legacy, one that